CoastHills Credit Union

Consumer Loan Underwriter

Full Time


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Consumer Loan Underwriter
Full-time Non-Ex Reg Full-Time
Vandenberg Village,  3880 Constellation Rd., Lompoc, CA,  93436

Under general supervision of the Assistant Consumer Loan Manager, a Consumer Loan Underwriter is responsible for underwriting and evaluating secured, unsecured and Visa loans in the Consumer Loan Department. 

Some of the Responsibilities are;
Underwrites secured, unsecured and Visa loan applications
Evaluates all loans in order to maximize organizational profit and minimize risk or loss
Understands LoansPQ (CoastHills chosen loan origination software) and their application process
Explores and offers counter options for all potential loans
Explains reason for denial and explores options to members
Performs within consumer loan lending limits approved by Board of Directors
Reviews and understands credit reports and explains to member’s information as reported
Responds to members’ inquiries and requests; assists in completing forms and documents
Resolves members and/or dealer problems and/or complaints
Reviews member requests to skip or modify payments
Understands and runs Kelly Blue Books, AutoChecks, CVR’s and Check Systems reports
Assists members in understanding how their payments are posted to their accounts
Calculates payoff on vehicle loans for dealerships while ensuring member loan retention
Responds to member problems and requests, when necessary; assist with completion of forms and documents.

Some of the Requirements are;
Knowledge and understanding of consumer lending procedures, practices and policies and credit fundamentals as would normally be acquired from 3 or more years of increasingly responsible related experience with 2 years of consumer lending processing experience
Knowledge of Symitar, Base 2000, Akcelerant and other computer systems/software programs to effectively perform job
Works cooperatively with members, dealers and fellow employees
Must be registered and in good standing with NMLS and renew registration each year
Ability to analyze situations and implement solutions independently
Ability to quickly identify and resolve problems
Ability to be bonded

We offer great benefits including, very generous PTO, low premium health insurance, 401k matching, and more…

Please apply online

If you are motivated and team-oriented, here's your chance to work where every day is Another great day!

Consumer Loan Underwriter

Locations: California (CA)